Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$16,046Cash toward the purchase price.
Closing costs + prepaids$10,402Not just lender fees.
Before credits & paid funds$26,448The complete starting cash picture.
Estimated remaining funds due at closing
$26,448No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,046.27
Your down payment$16,046.27
Closing costs + prepaids$10,401.75
Total buyer cash needed$26,448.02
Remaining funds due$26,448.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,094.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$240.25
Initial HOA (3 months)$585.00
Prepaid interest, first (24 days)$915.23
Fees + prepaids$10,401.75
Your down payment is the seller’s equity. You take over the $218,854 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $26,448.02 is due at closing. Uses and sources reconcile at $245,301.75 each. Not a Closing Disclosure.